Credit Application

Overview

Drivly’s Credit Application API is designed for the submission of credit applications for vehicle purchases and loan payoffs.

It interfaces with financial lenders for processing these applications, ensuring a streamlined approach for credit checks, approvals, and financing options.

Making a Request

Submit a credit application to https://commerce.driv.ly/api/creditApplications with a POST request.

Below is a breakdown of the required and optional data fields, supplemented with example requests for your applications.

Required Fields

Required fields must be provided with every application:

Field	Description	Format Example
`primaryApplicant`	The applicant’s information	`{ "name": "John Doe", "ssn": "123-45-6789" }`
`applicationType`	The type of application (e.g., PURCHASE, REFINANCE, LEASE_BUYOUT)	“PURCHASE”
`vehicle`	The vehicle information being financed	`{ "make": "Toyota", "model": "Camry", "year": 2020 }`
`hasCoApplicant`	Whether the application includes a co-applicant	true
`environment`	The environment to use	”Production”
`financeAmount`	The amount to finance	35000
`sendTo`	The system to send the application to	”RouteOne”
`preApproval`	The pre-approval ID	”PA123456”

Optional Fields

Optional fields can be included based on specific requirements:

Field	Description	Format Example
`coApplicant`	The co-applicant’s information	`{ "name": "Jane Doe", "ssn": "987-65-4321" }`
`trades`	Trade-in vehicle information	`{ "make": "Ford", "model": "Focus", "year": 2018 }`

Required Fields

primaryApplicant: The applicant’s information.
applicationType: The type of application (e.g., PURCHASE, REFINANCE, LEASE_BUYOUT).
vehicle: The vehicle information being financed.
hasCoApplicant: Whether the application includes a co-applicant (e.g., true, false).
environment: The environment to use (e.g., Production, Development).
financeAmount: The amount to finance (e.g., 35000).
sendTo: The system to send the application to (e.g., RouteOne, TSG).
preApproval: The pre-approval ID.

Optional Fields

coApplicant: The co-applicant’s information (if applicable).
trades: Trade-in vehicle information (if applicable).

{
  "title": "Credit Application",
  "sendTo": "RouteOne",
  "state": "DRAFT",
  "environment": "Production",
  "preApproval": "123456789",
  "applicationType": "REFINANCE",
  "financeAmount": 65000,
  "downPayment": 5000,
  "primaryApplicant": {
    "firstName": "Danny",
    "lastName": "Turner",
    "birthDate": "06/24/1995",
    "emailAddress": "dannyt@gmail.com",
    "cellPhone": "561-775-1234",
    "ssn": "123-45-6789",
    "currentResidence": {
      "monthlyPaymentAmount": 3000,
      "monthsAtResidence": 36,
      "ownershipStatus": "OWN",
      "address": {
        "lineOne": "123 Main St",
        "lineTwo": "Apt 2",
        "city": "Miami",
        "state": "FL",
        "postalCode": "33101"
      }
    },
    "currentEmployment": {
      "yearlyIncomeAmount": 95000,
      "monthsAtEmployer": 36,
      "employmentType": "FULL_TIME",
      "employerName": "ABC Corp",
      "employmentPosition": "Manager",
      "employmentAddress": {
        "lineOne": "1525 Flamingo Ave",
        "lineTwo": "Suite 100",
        "city": "Miami",
        "state": "FL",
        "postalCode": "33101"
      }
    },
    "additionalIncomeAmount": 1000,
    "additionalIncomeFrequency": "WEEKLY",
    "additionalIncomeSource": "Part-time job",
    "terms": {
      "agreeToTerms": true,
      "agreeIP": "150.80.15.220",
      "agreeUserAgent": "Mozilla/5.0"
    }
  },
  "hasCoApplicant": false,
  "vehicle": {
    "vin": "W1NKM4HB4RF139674",
    "year": 2024,
    "make": "Mercedes-Benz",
    "model": "GLC",
    "trim": "GLC 300 4MATIC",
    "mileage": 20,
    "lien": {
      "lienHolder": "ABC Bank",
      "monthlyPaymentAmount": 800,
      "payoffAmount": 30000,
      "initialTerm": 72,
      "remainingTerm": 36,
      "originalAmount": 60000,
      "apr": 4.5
    }
  }
}

Fetch API Example

We will assume that the createCreditApplication function and the Promise is called with the required data fields.

Successful Response

A successful response will have a 200 status code and a JSON object with the following fields:

id: The application ID.
title: The application title.
status: The application status.
sendTo: The system the application is sent to.
state: The application state.
environment: The environment used.
preApproval: The pre-approval ID.
applicationType: The application type.
financeAmount: The financed amount.
downPayment: The down payment amount.
primaryApplicant: The primary applicant’s information.
hasCoApplicant: Whether the application has a co-applicant.
vehicle: The vehicle information.
createdAt: The application creation date.
updatedAt: The application update date.

{
  "id": "65f4c43aa86cc23f4013cfc8",
  "sendTo": "RouteOne",
  "state": "DRAFT",
  "environment": "Production",
  "requiredFields": [],
  "preApproval": {
    "id": "12034631b86bb45g202071a1",
    "title": "Danny Turner (dannyt@gmail.com)",
    "firstName": "Danny",
    "middleInitial": "",
    "lastName": "Turner",
    "suffix": null,
    "address": "123 Main St Apt 2",
    "city": "Miami",
    "state": "FL",
    "zip": "33101",
    "phone": "+15617751234",
    "email": "dannyt@gmail.com",
    "sessionId": "",
    "createdAt": "2024-03-26T22:04:01.175Z",
    "updatedAt": "2024-03-26T22:04:01.175Z",
    "status": "Processed",
    "AppId": 154422063,
    "customer": {
      "id": "12ab3d1241567b12d2ga12c1",
      "leads": ["65ea2c8130784a03c8fd39c9"],
      "address": "65ea2c8130784a03c8fd39c9",
      "email": "dannyt@gmail.com",
      "phone": "+15617551234",
      "consumerFirstName": "Danny",
      "consumerMiddleName": "",
      "consumerLastName": "Turner",
      "consumerSuffix": null,
      "consumerPreApprovals": ["12034631b86bb45g202071a1"],
      "consumerLeadSource": [],
      "companyType": [],
      "createdAt": "2024-03-26T22:03:29.685Z",
      "updatedAt": "2024-03-26T22:03:29.685Z"
    },
    "segmentationBand": "Good (700-749)",
    "income": "$12,000" // monthly income
  },
  "primaryApplicant": {
    "firstName": "Danny",
    "lastName": "Turner",
    "birthDate": "06/24/1995",
    "emailAddress": "dannyt@gmail.com",
    "cellPhone": "561-775-1234",
    "ssn": "123-45-6789",
    "currentResidence": {
      "monthlyPaymentAmount": 3000,
      "monthsAtResidence": 36,
      "ownershipStatus": "OWN",
      "address": {
        "lineOne": "123 Main St",
        "lineTwo": "Apt 2",
        "city": "Miami",
        "state": "FL",
        "postalCode": "33101"
      }
    },
    "currentEmployment": {
      "yearlyIncomeAmount": 95000,
      "monthsAtEmployer": 36,
      "employmentType": "FULL_TIME",
      "employerName": "ABC Corp",
      "employmentPosition": "Manager",
      "employmentAddress": {
        "lineOne": "1525 Flamingo Ave",
        "lineTwo": "Suite 100",
        "city": "Miami",
        "state": "FL",
        "postalCode": "33101"
      }
    },
    "previousResidence": { "address": {} },
    "previousEmployment": { "employmentAddress": {} },
    "additionalIncomeAmount": 1000,
    "additionalIncomeFrequency": "WEEKLY",
    "additionalIncomeSource": "Part-time job",
    "terms": {
      "agreeToTerms": true,
      "agreeIP": "150.80.15.220",
      "agreeUserAgent": "Mozilla/5.0"
    }
  },
  "coApplicant": {
    "currentResidence": { "address": {} },
    "currentEmployment": { "employmentAddress": {} },
    "previousResidence": { "address": {} },
    "previousEmployment": { "employmentAddress": {} },
    "terms": {}
  },
  "vehicle": {
    "vin": "W1NKM4HB4RF139674",
    "year": 2024,
    "make": "Mercedes-Benz",
    "model": "GLC",
    "trim": "GLC 300 4MATIC",
    "mileage": 20,
    "lien": {
      "lienHolder": "ABC Bank",
      "monthlyPaymentAmount": 800,
      "payoffAmount": 30000,
      "initialTerm": 72,
      "remainingTerm": 36,
      "originalAmount": 60000,
      "apr": 4.5
    }
  },
  "createdAt": "2024-03-15T21:58:48.032Z",
  "updatedAt": "2024-03-15T21:58:48.032Z",
  "logs": [],
  "missingFields": {},
  "passesChecklist": true,
  "rates": [],
  "title": "[DRAFT] Danny Turner - $65,000.00",
  "applicationType": "REFINANCE",
  "meta": {
    "refinanceType": "REMOVE SOMEONE",
    "term": "60 months",
    "sellTrade": "No"
  },
  "downPayment": 5000,
  "financeAmount": 65000,
  "trades": [],
  "hasCoApplicant": false
}

Form Integration (UI)

We have RouteOne Certified Form Integration available. This allows you to submit credit applications directly to RouteOne for processing.

To use this feature:

Use https://credit.driv.ly?tenant={RouteOneDealerId} with the RouteOne Dealer ID.
Host the form on custom domain with the RouteOne API integration.

The form fields can be pre-filled using query parameters, making it easier to complete the application.

https://credit.driv.ly/?[fieldName]={value}&[fieldName]={value}

Form Fields (UI)

firstName

string

required

The first name of the primary applicant (e.g., John)

Min: 2 characters, Max: 30 characters

middleName

string

The middle initial of the primary applicant (e.g., D)

Max: 3 characters

lastName

string

required

The last name of the primary applicant (e.g., Smith)

Min: 2 characters, Max: 30 characters

phone

string

required

The phone number of the primary applicant (e.g., 5615551212)

phoneType

enum<string>

required

The type of phone number (e.g., MOBILE, HOME, WORK)

options: MOBILE, HOME, WORK

string

required

The email address of the primary applicant (e.g., john@gmail.com)

dateOfBirth

string

required

The date of birth of the primary applicant (e.g., 01/01/1990)

format: MM/DD/YYYY

ssn

string

required

The SSN of the primary applicant (e.g., 123456789)

Min: 9 characters

residenceTypeCode

enum<string>

required

The residence type of the primary applicant (e.g., OWN=1, Rent=3, Live With Others=4)

options: 1, 3, 4

addressLine1

string

required

The address line 1 of the primary applicant (e.g., 123 Main St)

Max: 200 characters

addressLine2

string

The address line 2 of the primary applicant (e.g., Apt 2)

Max: 200 characters

city

string

required

The city of the primary applicant (e.g., Miami)

Max: 30 characters

state

string

required

The state of the primary applicant (e.g., FL)

Max: 2 characters

zipCode

string

required

The ZIP code of the primary applicant (e.g., 33101)

Max: 5 characters

addressYears

enum<string>

required

The number of years at the current address

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10

addressMonths

enum<string>

The number of months at the current address

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11

rentMortgagePaymentAmount

string

required

The monthly rent/mortgage payment of the primary applicant (e.g., 1500)

prevAddressLine1

string

The address line 1 of the primary applicant (e.g., 123 Main St)

Required if addressYears is less than 2 years

Max: 200 characters

prevAddressLine2

string

The address line 2 of the primary applicant (e.g., Apt 2)

Required if addressYears is less than 2 years

Max: 200 characters

prevCity

string

The city of the primary applicant (e.g., Miami)

Required if addressYears is less than 2 years

Max: 30 characters

prevState

string

The state of the primary applicant (e.g., FL)

Required if addressYears is less than 2 years

Max: 2 characters

prevZipCode

string

The ZIP code of the primary applicant (e.g., 33101)

Required if addressYears is less than 2 years

Max: 5 characters

prevAddressYears

enum<string>

The number of years at the current address

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10

Required if addressYears is less than 2 years

prevAddressMonths

enum<string>

The number of months at the current address

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11

prevRentMortgagePaymentAmount

string

The monthly rent/mortgage payment of the primary applicant (e.g., 1500)

Required if addressYears is less than 2 years

licenseNumber

string

required

The driver’s license number of the primary applicant (e.g., 123456789)

licenseState

string

required

The driver’s license state of the primary applicant (e.g., FL)

Max: 2 characters

employmentStatusCode

enum<string>

required

The employment status of the primary applicant (e.g., Full Time, Military, Contract)

options: Full Time, Military, Contract, Part Time, Temporary, Seasonal, Self-Employed, Retired, Not Applicable

employerName

string

required

The employer name of the primary applicant (e.g., ABC Corp)

Max: 40 characters

employerPhone

string

required

The employer phone number of the primary applicant (e.g., 5615551212)

employmentTitle

string

required

The job title of the primary applicant (e.g., Manager)

Max: 20 characters

timeOnJobYears

enum<string>

required

The number of years at the current job

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10

timeOnJobMonths

enum<string>

The number of months at the current job

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11

incomeAmount

string

required

The monthly income of the primary applicant (e.g., 5000)

prevEmployerName

string

The employer name of the primary applicant (e.g., ABC Corp)

Required if timeOnJobYears is less than 2 years

Max: 40 characters

prevEmployerPhone

string

The employer phone number of the primary applicant (e.g., 5615551212)

Required if timeOnJobYears is less than 2 years

prevEmploymentTitle

string

The job title of the primary applicant (e.g., Manager)

Required if timeOnJobYears is less than 2 years

Max: 20 characters

prevTimeOnJobYears

enum<string>

The number of years at the current job

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10

Required if timeOnJobYears is less than 2 years

prevTimeOnJobMonths

enum<string>

The number of months at the current job

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11

prevIncomeAmount

string

The monthly income of the primary applicant (e.g., 5000)

Required if timeOnJobYears is less than 2 years

otherIncomeSourceCode

enum<string>

The other income source of the primary applicant (e.g., OTHCSTM)

options: OTHCSTM, NO

otherIncomeAmount

string

The other income monthly amount of the primary applicant (e.g., 1000)

otherIncomeSourceDescription

string

The other income source description of the primary applicant (e.g., Part-time job)

Max: 30 characters

joint

boolean

Joint application indicator

co_firstName

string

required

The first name of the primary applicant (e.g., John)

Min: 2 characters, Max: 30 characters

co_middleName

string

The middle initial of the primary applicant (e.g., D)

Max: 3 characters

co_lastName

string

required

The last name of the primary applicant (e.g., Smith)

Min: 2 characters, Max: 30 characters

co_phone

string

required

The phone number of the primary applicant (e.g., 5615551212)

co_phoneType

enum<string>

required

The type of phone number (e.g., MOBILE, HOME, WORK)

options: MOBILE, HOME, WORK

co_email

string

required

The email address of the primary applicant (e.g., john@gmail.com)

co_dateOfBirth

string

required

The date of birth of the primary applicant (e.g., 01/01/1990)

format: MM/DD/YYYY

co_ssn

string

required

The SSN of the primary applicant (e.g., 123456789)

Min: 9 characters

co_residenceTypeCode

enum<string>

required

The residence type of the primary applicant (e.g., OWN=1, Rent=3, Live With Others=4)

options: 1, 3, 4

co_addressLine1

string

required

The address line 1 of the primary applicant (e.g., 123 Main St)

Max: 200 characters

co_addressLine2

string

The address line 2 of the primary applicant (e.g., Apt 2)

Max: 200 characters

co_city

string

required

The city of the primary applicant (e.g., Miami)

Max: 30 characters

co_state

string

required

The state of the primary applicant (e.g., FL)

Max: 2 characters

co_zipCode

string

required

The ZIP code of the primary applicant (e.g., 33101)

Max: 5 characters

co_addressYears

enum<string>

required

The number of years at the current address

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10

co_addressMonths

enum<string>

The number of months at the current address

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11

co_rentMortgagePaymentAmount

string

required

The monthly rent/mortgage payment of the primary applicant (e.g., 1500)

co_prevAddressLine1

string

The address line 1 of the primary applicant (e.g., 123 Main St)

Required if co_addressYears is less than 2 years

Max: 200 characters

co_prevAddressLine2

string

The address line 2 of the primary applicant (e.g., Apt 2)

Required if co_addressYears is less than 2 years

Max: 200 characters

co_prevCity

string

The city of the primary applicant (e.g., Miami)

Required if co_addressYears is less than 2 years

Max: 30 characters

co_prevState

string

The state of the primary applicant (e.g., FL)

Required if co_addressYears is less than 2 years

Max: 2 characters

co_prevZipCode

string

The ZIP code of the primary applicant (e.g., 33101)

Required if co_addressYears is less than 2 years

Max: 5 characters

co_prevAddressYears

enum<string>

The number of years at the current address

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10

Required if co_addressYears is less than 2 years

co_prevAddressMonths

enum<string>

The number of months at the current address

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11

co_prevRentMortgagePaymentAmount

string

The monthly rent/mortgage payment of the primary applicant (e.g., 1500)

Required if co_addressYears is less than 2 years

co_licenseNumber

string

required

The driver’s license number of the primary applicant (e.g., 123456789)

co_licenseState

string

required

The driver’s license state of the primary applicant (e.g., FL)

Max: 2 characters

co_employmentStatusCode

enum<string>

required

The employment status of the primary applicant (e.g., Full Time, Military, Contract)

options: Full Time, Military, Contract, Part Time, Temporary, Seasonal, Self-Employed, Retired, Not Applicable

co_employerName

string

required

The employer name of the primary applicant (e.g., ABC Corp)

Max: 40 characters

co_employerPhone

string

required

The employer phone number of the primary applicant (e.g., 5615551212)

co_employmentTitle

string

required

The job title of the primary applicant (e.g., Manager)

Max: 20 characters

co_timeOnJobYears

enum<string>

required

The number of years at the current job

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10

co_timeOnJobMonths

enum<string>

The number of months at the current job

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11

co_incomeAmount

string

required

The monthly income of the primary applicant (e.g., 5000)

co_prevEmployerName

string

The employer name of the primary applicant (e.g., ABC Corp)

Required if co_timeOnJobYears is less than 2 years

Max: 40 characters

co_prevEmployerPhone

string

The employer phone number of the primary applicant (e.g., 5615551212)

Required if co_timeOnJobYears is less than 2 years

co_prevEmploymentTitle

string

The job title of the primary applicant (e.g., Manager)

Required if co_timeOnJobYears is less than 2 years

Max: 20 characters

co_prevTimeOnJobYears

enum<string>

The number of years at the current job

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10

Required if co_timeOnJobYears is less than 2 years

co_prevTimeOnJobMonths

enum<string>

The number of months at the current job

options: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11

co_prevIncomeAmount

string

The monthly income of the primary applicant (e.g., 5000)

Required if co_timeOnJobYears is less than 2 years

co_otherIncomeSourceCode

enum<string>

The other income source of the primary applicant (e.g., OTHCSTM)

options: OTHCSTM, NO

co_otherIncomeAmount

string

The other income monthly amount of the primary applicant (e.g., 1000)

co_otherIncomeSourceDescription

string

The other income source description of the primary applicant (e.g., Part-time job)

Max: 30 characters

Requires a dealer account with RouteOne and company logo. Please contact sales for more information.

Next Steps

Now that you have a better understanding of how the Credit Application API works, you can start integrating it into your application.